Stock fact sheet · data as of
PBCO Financial Corporation (PBCO): fair value, margin of safety and Wheel Score
Ticker symbol PBCO · Financial Services · Banks - Regional · United States · Value
Is PBCO undervalued?
At 27.95 (close of 5 Nov 2026), PBCO trades 18% over the GLS average fair value of 23.60. 4 of the 9 models land above the price and 5 below. A negative margin of safety fails the "below fair value" Wheel Trade Filter - the models see no discount, which does not make the business a poor one, only the price a full one.
The 9 models disagree widely: GLS Growth gives 3.38 while 10 Cap gives 56.70. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, PBCO is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 48, growth score 24, out of 100).
Nine valuation models for PBCO
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 17.08 | -39% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 29.88 | +7% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 32.08 | +15% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 7.95 | -72% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 3.38 | -88% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 56.70 | +103% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 37.52 | +34% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 5.74 | -79% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 22.10 | -21% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -135.06 | -583% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - PBCO passes 5 of the nine Piotroski tests, which falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 5.9 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 6.8%, ROE 8.8%, ROA 1.1% - with debt at 0.29 times equity and negative free cash flow.
The dividend yield is 1.40% with a payout ratio of 0% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 6.8% |
|---|---|---|---|
| GLS Moat | 5.9 / 10 | ROE | 8.8% |
| Debt / equity | 0.29 | ROA | 1.1% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 19: No options
PBCO has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (19 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 6k shares a day on a market cap of $142M, with a beta of 0.28 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades 18% above our fair value |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $142M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 18% above fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 5.9/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.28, $142M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for PBCO in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to PBCO Financial Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PONT Pontiac Bancorp, Inc. | 685.00 | 811.82 | +16% | 27No options | $142M |
| FMBN Farmers & Merchants Bancshares, Inc. | 42.70 | 90.11 | +53% | 28No options | $141M |
| FFDF FFD Financial Corporation | 49.75 | 76.73 | +35% | 35No options | $145M |
| HYNE Hoyne Bancorp, Inc. Common Stock | 18.62 | 0.8649 | -2053% | 16No options | $139M |
| SFDL Security Federal Corporation | 46.80 | 60.62 | +23% | 32No options | $145M |
| SRBK SR Bancorp, Inc. Common stock | 19.04 | 30.52 | +38% | 32No options | $139M |
| CCNB Coastal Carolina Bancshares, Inc. | 18.19 | 38.26 | +52% | 31No options | $137M |
| CBBI CBB Bancorp, Inc. | 13.85 | 51.21 | +73% | 33No options | $147M |
| LSBK Lake Shore Bancorp, Inc. | 18.98 | 22.00 | +14% | 29No options | $148M |
| MGYR Magyar Bancorp, Inc. | 23.00 | 50.63 | +55% | 33No options | $148M |
| BLHK Blueharbor Bank | 50.49 | 105.15 | +52% | 31No options | $149M |
| SOMC Southern Michigan Bancorp, Inc. | 29.70 | 52.14 | +43% | 33No options | $134M |
⚖ Compare PBCO with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about PBCO
Is PBCO undervalued right now?
No: at 27.95 the stock trades 18% above the GLS average fair value of 23.60 (data as of 5 Nov 2026). The margin of safety is negative.
What is the Wheel Score of PBCO and what does it mean?
PBCO has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for PBCO?
23.60 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does PBCO Financial Corporation report earnings next?
No upcoming earnings date is recorded for PBCO in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does PBCO have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on PBCO, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.